The rising cost of medical care can be overwhelming, especially when divorce means losing the health insurance coverage you once relied on through your spouse. Suddenly, what was once taken for granted—access to prescriptions, vision, dental care, and more—can become a major source of stress as you navigate life on your own. If you’re facing this challenge, know you’re not alone. In this series, we’ll explore practical solutions for managing health care after divorce. Today, we’re diving into the world of health care.
Unfortunately, many of us lose our health care coverage after divorce. While it’s tempting to ignore the problem, we have to face it head-on. Navigating the complex health care system can be stressful and overwhelming, but taking care of ourselves means making it a priority. Let’s explore some options available to help us during this transition.
Employer-Based Insurance — If you’re employed and have access to health benefits, but have been relying on your husband’s employer-based insurance, there are options available to you. Divorce qualifies as a Special Enrollment Period (SEP), which allows you to enroll in your employer’s health plan outside of the usual enrollment window. Typically, you have 60 days after your divorce to make this change, but be sure to verify the specific timeline with your employer to avoid missing out on this opportunity.
COBRA Coverage — The Consolidated Omnibus Budget Reconciliation Act (COBRA) lets you temporarily keep your ex-spouse’s employer-sponsored health insurance after divorce, if their employer has 20 or more employees. You can usually stay on COBRA for up to 18 months, sometimes up to 36 months in special cases like divorce. However, COBRA can be expensive because you pay the full premium plus an administrative fee. To enroll, you need to notify the plan administrator within 60 days of your divorce—make sure you don’t miss this deadline. COBRA provides a crucial safety net while you explore other health coverage options.
Affordable Care Act (ACA) Coverage — If you lose health insurance because of a divorce, the ACA Marketplace gives you a special chance to sign up for coverage outside the regular enrollment period. Depending on your income, you might get help to lower your premiums so it’s more affordable than other options. The marketplace offers different plans with varying costs and benefits, including coverage for prescriptions and mental health. You can check out plans online or talk to an insurance agent to find what fits you best. The ACA’s goal is to make health insurance available to more people, so it’s definitely worth exploring your options here.
Medicaid Coverage — If your income is on the lower side, you might qualify for Medicaid, which offers free or low-cost health coverage. Each state has its own rules about who qualifies and what’s covered, so it’s a good idea to check what’s available where you live. You can apply for Medicaid anytime throughout the year, giving you flexibility no matter your situation. Medicaid is designed to help those who might otherwise struggle to afford health insurance by providing essential medical coverage and support for physical and mental wellness.
Short-Term Health Insurance — Short-term health insurance, sometimes called temporary health insurance, can be a helpful option if you find yourself between traditional health plans. These plans offer coverage for a limited time, usually a few months, to bridge the gap until your next long-term insurance kicks in. However, keep in mind that short-term plans generally provide less coverage, often exclude preexisting conditions, and might not include in-network providers, which can lead to extra costs. With recent rules capping coverage to four months within a year, it’s a temporary fix—not a permanent solution.
Medicare — Divorce doesn’t prevent you from qualifying for Medicare at 65, but it can affect your costs, including eligibility for Part A coverage. You may qualify for Part A based on your own work history or that of a former spouse, though specific conditions related to the length of your marriage, current marital status, and your ex-spouse’s work record apply. If you lose health coverage due to divorce, you might also be eligible for a Special Enrollment Period (SEP) to sign up for Medicare outside the regular timeframe. Since Medicare rules can be complex, it’s a good idea to consult a professional or contact the Social Security Administration to fully understand your benefits and options.
Navigating health insurance after divorce can be complicated and overwhelming, especially when many find themselves without coverage. I once knew a man who, despite leaving his wife, chose not to divorce her so she could maintain her health care—that was a man with a conscience. Unfortunately, not everyone is so considerate, which means we often have to take control of our own lives and health. By doing so, we empower ourselves, becoming stronger and more resilient through the process.
I hope this helps clarify some of the health care options available after divorce. It’s a tough journey, but don’t ever give up—keep pushing forward. Remember, you’re stronger than you realize, and you’re never alone.
God Bless You On Your Journey!
KathieyV
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